Physician / Hospital

Smart Choice Card members have access to discounted medical and hospital services throughout the United States. Save 10% to 40% at 285,000 physician offices, diagnostic, urgent care centers and thousands of hospitals. This plan is available to all since there are no age or health restrictions. Anyone can begin saving today.

PHYSICIAN & HOSPITAL with MEDICAL HEALTH ADVISOR

Going to the doctor doesn’t have to cost an arm and a leg. Save 10% to 40% at participating doctors’ offices. Get the care you and your family deserve for less.

Medical Health Advisor can help with a broad range of healthcare and insurance related issues. It helps members with clinical, insurance and administrative issues for medical, hospital, dental, pharmacy and other needs. Personal Health Advocates help members get the most out of their health benefits. They are typically registered nurses supported by a team of medical directors and administrative experts.

Highlights

Save 10% to 40% at participating doctor offices and hospitals in the U.S. The entire immediate family can save.

Access to over 285,000 providers. Providers include family doctors, specialists, alternative care providers, facilities and hospitals.

The program has one of the largest doctor networks in the nation.

No age or health restrictions. Anyone can save with this benefit.

One call to Medical Health Advisor and we’ll help members:

Save time and money.

Find your way through the healthcare and insurance systems.

Find doctors, hospitals and other providers.

Make appointments with providers.

Find “best in class” medical institutions for a serious illness or injury.

Get unbiased health info to make informed decisions.

Find and research current treatments for a medical issue.

Use our Health Cost Estimator – a pre-service pricing support tool.

Resolve insurance claims and billing issues.

Explain test, treatment and medications.

Get second opinions for peace of mind.

HIPAA Compliant.

For hospital visits, members MUST verify hospital participation prior to any procedures. For E.R. visits, within 48 hours of service member must contact network. A representative will coordinate all of the resources and work with the provider/facility for a contracted savings.

Disclosures

Hospital discounts NOT available in Maryland, Vermont and West Virginia.

This plan is NOT insurance. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR 5.00.

It contains a 30 day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received.

Refunds: Member shall receive a reimbursement of all periodic membership fees if membership is cancelled within the first 30 days after the effective date. AR, TN, and UT residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. MD Residents: The membership fee and one-time application fee (minus $5.00) will be refunded if cancelled within the first 30 days and upon return of the discount card.

RI residents: If a resident of the state of Rhode Island remains dissatisfied after completing the organization’s complaint process, the plan member may contact the office of the insurance commissioner at: Rhode Island Office of the Health Insurance Commissioner 151 Pontiac Avenue, Building 691 Cranston, RI 02920 401-462-9517 OHIC.HealthInsInq@ohic.ri.gov

Regulated discount benefits are not available in the state of Washington, at this time.

WA residents: If a member cancels his or her membership in the discount plan organization within the first thirty days after the date of receipt of the written documents for the discount plan, the member must receive a reimbursement of all periodic charges upon return of the discount plan card to the discount plan organization.

(A) Cancellation occurs when notice of cancellation is given to the discount plan organization. (B) Notice of cancellation is given when delivered by hand or deposited in a mailbox, properly addressed and postage prepaid to the mailing address of the discount plan organization, or e-mailed to the e-mail address of the discount plan organization.

(A) Discount plan organization shall return in full any periodic charge charged or collected after the member has given the discount plan organization notice of cancellation. (B) If the discount plan organization cancels a membership for any reason other than nonpayment of charges by the member, the discount plan organization shall make a pro rata reimbursement of all periodic charges to the member.

If a resident of the state of Washington remains dissatisfied after completing the organization's complaint process, the plan member may contact the office of the insurance commissioner at: